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UniAssurances S.A is a Property & Casualty and Personal Lines Insurer, incorporated under the laws of Haiti, providing traditional risk transferring solutions as well as bancassurances products to individuals and businesses.
Privately-owned, UniAssurances is part of a diversified financial services group named "GroupeFinancier National" (GFN®) which operates in the following areas:
• Commercial banking (UNIBANK)
• Investment and merchant banking (UNIFINANCE)
• Remittances from Haitians living abroad (UNITRANSFER)
• Micro-credit (MICRO CREDIT NATIONAL
• Consumer credit (UNICREDIT)
• Credit cards (UNICARTE)
• Real estate investments (IMMOBILIER S.A.-IMSA)
• Financial consulting (CAPITAL CONSULT)
• Insurance Industry (UniAssurances S.A.)
• Investment company management (SOCIETE NATIONALE D'INVESTISSEMENT SNI), with interests in industry and distribution.
UNIBANK and its group of companies are authorized to operate throughout Haiti, and are present in all of Haiti's major cities. With 38 branches, UNIBANK has Haiti's largest branch network. Since its founding in July 1993, UNIBANK is Haiti's fastest-growing bank and has transformed itself, without any mergers or acquisitions, into one of Haiti's leading financial institutions, ranking first or second in all important areas of the banking business, with assets of US$1.032 billions and a 30.5% market share. With 850,000 depositors, it has the largest number of clients in the banking sector.
Our mission is to to offer to our clients, security and peace of mind through expert and professional risk management services and solutions, to offer the widest range of competitively priced risk transferring (insurance) products to individuals and businesses.
We want to be Haiti's preferred multi line insurer by providing to our clients unparalleled quality service, the most advanced technology, unsurpassed financial strength and unequivocal long term commitment.
We achieve our mission by being a profitable insurer to our shareholders, a trusted and transparent partner to our reinsurers, by investing in our human resources and by honoring our contractual duties when unexpected events strike our clients and our community.
We work to be the preferred insurer in Haiti, within a strong and diversified financial group: the "Groupe Financier National"
Other Mission Statements
2) To guarantee to our clients security and peace of mind through expert and professional risk management services and the widest range of competitively priced and customized insurance products
3) To guarantee to our clients security and peace of mind through expert and professional risk management services and solutions.
4) To guarantee to our clients security and peace of mind through the widest range of competitively priced and customized insurance products
5) To guarantee security and peace of mind through expert and professional risk management services the widest range of competitively priced and customized
To be Haiti's preferred multi line insurer by providing to our clients unparalleled quality service, the most advanced technology, unsurpassed financial strength and unequivocal
long term commitment.
Our vision is to be Haiti's first choice, leading
multi line insurer.
Unparalleled quality service, the most advanced
technology, unsurpassed financial strength and unequivocal long term commitment will be make UniAssurances Haiti's preferred multi line insurer.
1.- Ample surplus
Our US$ 5.0 M surplus far exceeds the minimum capital required by the Haitian authorities aswell as those of major competitors. A surplus equivalent to 20% of gross written premium for the Haitian insurancemarket should provide UniAssurances, S.A. with plenty of roomto grow. The ability to secure competitive reinsurance terms by setting per risk and per event retentions above present market practice is another advantage of such ample surplus.
2.- Experienced Management
UniAssurance’s top management is well seasoned and experienced in assessing and managing risks and it is completely independent in determining underwriting policies, retention levels and reinsurance placement guidelines. UniAssurances will not write risks if underwriting information is not complete, nor if exposure or requested coverage is not fully understood or incompatible with UniAssurances’ risk selection criteria.
3.- Strong brand recognition
UniAssurances, S.A. is a UNIBANK subsidiary and as such it will benefit from the latter’s strong brand recognition. Whenever the Unibank brand is mentioned, seen or read, people are reminded of a long track record of corporate integrity, transparency and financial strength. UNIBANK was the first Haitian financial institution to publish an Annual Report an to have a Web Page with detailed financial information.
4.- Large prospect base
UniAssurances, S.A. benefits from UNIBANK's large client base of more than 850,000 individuals and businesses as well as the clients' base of other affiliate companies (Micro Credit National, Unicredit, UniCarte etc). The opportunities to successfully sell traditional and Bancassurance insurance products to Unibank's and other affiliate companies' clients is enormous. Moreover UNIBANK is privately held by approximately 350 Haitian shareholders who are well known business men. In a country with a long lasting tradition of conservative and entreched family owned businesses (there are no publicy held firms in Haiti) this wide and diverse shareholders' base has given rise to transparency, innovation and openness. It is also a tremendous source of referred business opportunities.
Our reinsurance agreements
UniAssurances' USD 2.0 M maximum net retained line per risk (defined as fire areas) for Property, Business Interruption, Theft and Civil Commotion is protected by a three (3) layer Risk XL program with a limit of USD 1.9Mexcess of USD 100 K. Catastrophe perils are excluded unless an event/loss affects a single insured risk. UniAssurances' catastrophe expsure is protected by a two (2) layer Cat XL up to 10% of the Reinsured's Net Retained Countrywide Quarterly Midpoint Aggregates in force at the time of the loss for all Cat perils (1st layer) and up to 15% for earthquake (1st plus 2nd layer).
Votre Compagnie d'Assurance
publie-t-elle ses États financiers ?
Dans un souci de transparence la UniAssurances S.A. est fière d'être la première
Compagnie d'Assurance évoluant en Haïti à publier ses États financiers Audités